| Metric | Horizon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.1% | +5.5% | -19.5 pts |
| Deposit growth (YoY) | -5.2% | +5.1% | -10.2 pts |
| Loan growth (YoY) | -0.4% | +5.9% | -6.4 pts |
| ROA | 1.75% | 1.26% | +0.5 pts |
| ROE | 14.5% | 12.2% | +2.4 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.55B | $5.48B | $4.91B | $803.8M | $56.9M | 1.75% | 4.47% | 0.60% |
| Q1 2026 | $6.54B | $5.50B | $4.84B | $778.2M | $29.0M | 1.79% | 4.45% | 0.60% |
| Q4 2025 | $6.41B | $5.35B | $4.84B | $768.9M | $-141.2M | -1.96% | 3.62% | 0.56% |
| Q3 2025 | $6.69B | $5.66B | $4.78B | $740.9M | $-171.0M | -3.07% | 3.38% | 0.48% |
| Q2 2025 | $7.62B | $5.78B | $4.93B | $830.2M | $48.4M | 1.26% | 3.16% | 0.36% |
| Q1 2025 | $7.61B | $5.85B | $4.86B | $811.7M | $25.9M | 1.35% | 3.07% | 0.41% |
| Q4 2024 | $7.77B | $5.68B | $4.86B | $801.9M | $46.2M | 0.59% | 2.71% | 0.35% |
| Q3 2024 | $7.90B | $5.80B | $4.75B | $797.4M | $53.6M | 0.91% | 2.60% | 0.32% |
Loan mix (Q2 2026): real estate $3.80B · commercial $624.5M · consumer $85.8M · securities $897.8M
| Ratio | Horizon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.26% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.2% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 59.0% | 30th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Horizon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Horizon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Horizon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Horizon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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